New Citi Dividend 5% Cash Back Categories for 2015

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Via Rapid Travel Chai,  Citi Dividend has released the cash back calendar for 2015.

What are the cash back categories and how can you get the most out of them?

Citi Dividend 2015 5% Cash Back Categories

Similar to the Chase Freedom and Discover It cards, with Citi Dividend you earn 5% cash back on categories that rotate each quarter.

Note: It appears that the Citi Dividend is no longer accepting new applications because it’s gone from the Citi website.  But if you already have the card, Citi is giving you reasons to use it!

If you’re a Citi Dividend cardholder, you may have received an email with the new cash back categories for 2015.  Here’s a look at the categories…

So in 2015, you’ll get 5% cash back when you use your Citi Dividend card:

• January to March – Macy’s and home furnishing stores
• April to June – Home Depot and home & garden stores
• July to September – Hilton hotels and airlines
• October to December – Best Buy and department stores

I like that you can earn 5% cash back at Hilton and on airlines.

You can also use the Citi Hilton HHonors Reserve Card (10 points per dollar spent at Hilton hotels) or the AMEX Hilton Surpass (12 points per dollar) at Hilton.

And keep in mind that some places, such as Best Buy, sell gift cards to other stores and chain restaurants.

How to Take Advantage of the New Categories

You can get the most out of these categories by double and triple dipping.

For example, from October to December 2015, you’ll earn 5% cash back at department stores.  A great department store to use this with is Sears.  That’s because Sears often has high cash back payouts in shopping portals.

Plus, you can also earn Shop Your Way Rewards on Sears purchases, which can be used as cash towards future purchases at Sears stores.

Bottom Line

Citi Dividend’s 5% cash back categories for 2015, will include Macy’s, Home Depot, Hilton hotels, Airlines, and Best Buy.

You can get more out of your 5% cash back by using it along with other offers such as shopping portals.

And remember, you can also earn 5% cash back for rotating categories each quarter with the Chase Freedom and Discover It cards.